Hail Damage Roof Repair: Repair or Replace?
Yes, a hail-damaged roof can often be repaired. Whether it should be depends on how much of the roof the hail reached, and Adept Construction inspects it for free and shows you the photos before you decide.
How hail size matters
The National Weather Service treats hail of 1 inch (quarter size) as severe. Hail that size and larger can bruise asphalt shingles, knock off granules and crack the mat underneath; smaller hail more often marks gutters, vents and screens than the shingles themselves. In 2026, measured hail in DuPage County reached 4.8 inches in Darien (NWS, March 10, 2026).
Repair or replace after hail
- A repair usually makes sense when the hits are limited to one slope or a few shingles, the shingle mat is not fractured, and matching shingles are still available.
- A replacement usually makes sense when bruises and cracks run across most slopes, the damaged shingles can’t be matched, or the roof was already near the end of its life.
- Your insurer’s count decides coverage. Many adjusters count hail hits inside a 10-by-10-foot test square on each slope. How many hits it takes to approve a replacement is set by your insurer, not by Illinois law, which is why we document every hit before the adjuster visits.
See our roof repair and roof replacement services, and gutter repair for hail-dented gutters.
ACV and RCV policies
Your policy’s declarations page says how the roof is valued. An actual cash value (ACV) policy pays the roof’s depreciated value. A replacement cost value (RCV) policy usually pays the depreciated amount first and releases the held-back depreciation after the work is finished. Either way, your share starts with your deductible, and no Illinois contractor may pay or waive it.
Impact-resistant shingles
Shingles rated Class 4 under the UL 2218 impact test carry the highest impact rating for roofing. If you are replacing a roof after hail, ask your insurance agent whether your policy gives a discount for Class 4 shingles, and ask any roofer you are considering whether the shingle they quote is Class 4.
Choosing hail damage roofers
Call a local, Illinois-licensed roofer before you call your insurer. Check the license number with IDFPR, get the inspection and estimate in writing, and walk away from anyone who offers to cover your deductible. Adept Construction (Illinois license No. 104.011123) inspects hail damage for free across DuPage County: call (630) 360-2730 or request a storm inspection.